Call reports 2012
WEST SIDE BANK AND TRUST — 2012
What WEST SIDE BANK AND TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 54,154,000 | 59,262,000 | 55,917,000 | 63,327,000 |
| Total loans | 42,358,000 | 43,948,000 | 45,787,000 | 47,065,000 |
| Allowance for loan losses | 858,000 | 693,000 | 735,000 | 765,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,303,000 | 50,034,000 | 46,346,000 | 53,619,000 |
| Interest-bearing deposits | 35,954,000 | 41,248,000 | 36,948,000 | 42,390,000 |
| Noninterest-bearing deposits | 9,349,000 | 8,786,000 | 9,398,000 | 11,230,000 |
| Equity capital | 8,783,000 | 9,040,000 | 9,330,000 | 9,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 564,000 | 1,260,000 | 1,991,000 | 2,707,000 |
| Interest expense | 103,000 | 210,000 | 317,000 | 408,000 |
| Net interest income | 461,000 | 1,050,000 | 1,674,000 | 2,299,000 |
| Noninterest income | 34,000 | 73,000 | 116,000 | 165,000 |
| Noninterest expense | 445,000 | 944,000 | 1,497,000 | 2,029,000 |
| Provision for loan losses | 15,000 | 87,000 | 112,000 | 127,000 |
| Pretax income | 35,000 | 92,000 | 181,000 | 308,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 35,000 | 92,000 | 181,000 | 308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,804,000 | 6,069,000 | 6,368,000 | 6,702,000 |
| Total capital | 6,325,000 | 6,607,000 | 6,922,000 | 7,270,000 |
| Risk-weighted assets | 41,375,000 | 42,930,000 | 44,167,000 | 45,854,000 |